Multi Trip Travel Insurance

Multi-trip travel insurance - designed for multiple trips abroad

Innovation

Back in 1994, Columbus Direct came up with a Multi-Trip insurance policy where you pay once and cover lasts the year for an unlimited number of trips or holidays.

"Trip" Duration Limits

Also called "annual" or "year round", each trip has a maximum duration.

Citybond Suretravel terms, for example, allow durations of:

• 50 days for each insured person up to and including 65 years of age. This is extendable up to 100 days upon payment of an additional premium.
• 35 days for each insured person aged between 66 and 85 years of age inclusive. This is not extendable

If you are planning to stay longer before returning home a "long stay" policy allows up to 18 months abroad.

Advantages

Multi-trip insurance can be the best priced cover for you if you travel abroad often? If you take several holidays every year - and more and more of us do - then a year round policy could:

• cut the average cost of insurance for each trip
• make last minute holiday deals more attractive
• simplify and automate your travel insurance needs
• save you time and hassle

To check and compare the cost against "single trip" policies you can use our Citybond Suretravel quote system which has seamless online policy purchase and medical screening. Quotes price are given quickly and simply before you have to add key personal details. Quotes here.

Renewals

This type of policy is often automatically renew (after you're sent written notification) to ensure you retain continuous cover, even if abroad at the time.

Paperwork generally specifies the premium, any discounts applicable and changes in terms and conditions.

If you need to change personal details such as address, named individuals, different credit card or you need to notify of a medical condition you will have a number to contact the insurer to update the policy.

Age Limits

If you've joined the over 65's with have more time for visiting friends and family overseas then rejoice at being able to save money for a good few years yet. Many multi-trip policies are available for another 10 years. If you're aged over 75 then you may have to look a little harder for a provider or move to a single trip insurer.

Disadvantages

There may be some less favourable aspects with multi-trip travel insurance policies:

• if you take fewer trips than you expect your insurance could not be the cheap deal you expected
• some insurers allow you only so many days away in a 12-month period
• trip duration may be limited depending on age, with the elderly allowed shorter trip lengths

Design your own policy

You can tailor many multi-trip travel insurance policies to suit your lifestyle.

For an extra premium you can arrange extra cover for -

• Personal possessions
• Business travel
• Motoring assistance within Europe
• Winter sports and ski cover
• Extra long stays

Multi Trip Insurance Cover

Most year rouund travel policies provide cover the following:

• Cancellation, curtailment & trip interruption - due to:
  • Death, injury, illness, disease or pregnancy complications to you, fellow traveller, destination host, close relative or business associate
  • Compulsory quarantine, jury service, witness duties
  • Natural disasters & prohibition of travel to, or recommendation of evacuation from earthquake, fire, tsunami, landslide, flood, hurricane or epidemic / pandemic hit zone
  • Police / authorities request that you stay at, or return home due to serious damage
  • Redundancy - unanticipated
• Emergency medical & repatriation Following an "incident" causing bodily injury, illness, disease, quarantine, cover for a time period's (£x) expenses for:
  • Emergency medical, surgical, hospital, ambulance & nursing fees and charges abroad
  • Emergency dental treatment
  • Repatriation on medical grounds or death; or funeral abroad
  • Transport and/or accommodation expenses if delayed on medical grounds (+ for a necessary assistant)
• Baggage
  • Accidental loss, theft or damage to baggage, articles & valuables
  • Emergency replacement of clothing, medication and toiletries (temporary or permanent)
• Personal money - accidental loss of, theft of, or damage to
• Personal liability - compensation, legal costs and expenses for
  • liability for bodily injury, death, illness or disease
  • Loss of or damage to property
• Delayed departure - if travel is delayed by strike, industrial action, adverse weather and breakdown. So much per period up to a maximum.
• Missed departure at home or destination
  • Result of public transport failure, accident or breakdown of your vehicle or a vehicle ahead, strike, industrial action or adverse weather
  • Reasonable additional accommodation and travel expenses
• Missed connection departure or return - costs because of public transport problems, or private vehicle breakdown or accident
• Hijack/Kidnap - of plain or ship there is a payment for the delay
• Legal expenses - legal costs (to a set value) to pursue a civil action for compensation against someone who caused you bodily injury, illness or death
• Extended kennel / cattery fees - if delayed for medical reasons
• Winter sports

Things to look out for

Check you can get another adult's name added to the policy and whether you can travel separately. Some winter sports policies have shorter individual durations depending on age.